yep...if you want o tinsure a large income , like a doc or something ...

but

there are companies out there that write disability income, and if you dont SUE it, they pay you your premiums back with a little interest ..

so , for a reall biz owner with an income to protect, there is no reason not to have it ...

also,
some protection is available throught the HSA's that everyone shoould have ,,,including me.

thanks phil